Features

Who is USAA Rewards Visa Signature® Designed For?

The USAA Rewards Visa Signature® is designed for people affiliated with the military who have good to excellent credit and who want a simple cash back credit card with no annual fee. Only active, retired and in-training military personnel and their direct family members can join USAA.

What are the Rates for USAA Rewards Visa Signature®?

The rates for the USAA Rewards Visa Signature® are 10.90% APR to 26.90% APR, depending on creditworthiness, and the rates vary with the market based on the prime rate. The same rate applies to purchases, balance transfers and cash advances. There is no penalty rate for cardholders who are late on payments, but there isn't an intro rate on purchases or balance transfers either.

What Are the Fees for USAA Rewards Visa Signature®?

The USAA Rewards Visa Signature® has no annual fee and no over-the-limit fee. On the other hand, it does have a 3% fee on balance transfers and cash advances, which is capped at $200 per transaction. The cash advance fee is waived when the funds are transferred electronically to a USAA deposit account. There is no foreign transaction fee.

What Is USAA Rewards Visa Signature®'s Rewards Program Like?

USAA Rewards Visa Signature® gives cardholders 1 point for every dollar spent on purchases. There is no cap or expiration date on points, which can be redeemed for cash, merchandise, gift cards or travel.

What about USAA Rewards Visa Signature®'s Signup Bonus?

USAA Rewards Visa Signature® has a 2,500 signup bonus for new cardholders when they make their first purchase.

Does USAA Rewards Visa Signature® Have Any Other Benefits?

USAA Rewards Rewards Visa Signature® includes the standards Visa Rewards benefits of collision damage waiver coverage, identity theft resolution, extended warranty and travel accident insurance. It also includes special benefits for the military, such as a reduced 4% APR on all balances for up to 12 months during deployment. Additionally, all finance charges accrued while serving on a qualified military campaign are waived.

How Is USAA Rewards Visa Signature® Better Than Other Credit Cards?

The USAA Rewards Rewards Visa Signature® has reasonably low APRs, a straightforward cash back rewards program and no annual fee. Add to this the Rewards Visa rewards and the special benefits given to military members and you can see why this card is popular with members of the military and their families.

  • Credit Score Range
    700 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Veterans
  • Minimum Age
    18
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $35
  • Returned Payment Fee
    $35
  • No Annual Fee
  • No Foreign Transaction Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • Points
  • Signup Bonus (points)
    2,500
  • Balance Computation
    Average daily balance (including new purchases)
  • Purchases APR
    10.9% - 26.9%
  • Transfer Fee
    3%
  • Balance Transfer APR
    10.9% - 26.9%
  • Card Type
    Rewards
  • Card Network
    Visa
  • Customer Type
    Personal
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